USDA Vs. FHA your options comparison in Altona, Clinton County, NY

In 2026, the USDA loan limit for Altona, in the county of Clinton, NY, is $336,500 compared to the FHA limit of $472,030 for a single-family home.

Utilize the Lendersa® USDA loan calculator to compare today's top USDA versus FHA rates. Determine the income, credit reserves, and documents necessary to qualify. Our advanced mortgage calculator enables side-by-side viewing of USDA, FHA, Conforming, and VA loans, helping you decide which program in is most suitable for your financial situation.

Explore loan offers from 100 lenders

2026 Loan Limits and Down Payment Requirements in Altona, Clinton, NY

Loan Type Loan Limit Down Payment
USDA $336,500 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

USDA and FHA Loan Options in Altona, NY

The goal of Lendersa® is to quickly and effortlessly provide you with the best USDA or FHA loan. Choose one of three pathways to connect with lenders and explore USDA loan programs.

Lendersa USDA loan request and matching results

Discovering USDA Loans in NY

The USDA home loan, backed by the Department of Agriculture, is also known as a USDA rural development loan or USDA mortgage, exclusively available in rural areas. Unlike FHA loans requiring a minimum 3.5% down payment, the USDA mortgage requires none.

Enter your location to find out if it qualifies for USDA rural housing loan?



  • Excalibur Mortgage Corporation
  • 7071 Warner Avenue, Suite F-717, Huntington Beach, CA, 92647
  • We've been helping customers afford the home of their dreams for many years and we love what we do. Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible.

  • Safe Lending Mortgage Corp
  • 7071 Warner Ave, Suite F396, Huntington Beach, CA, 92647
  • "SafeLending is a mortgage company founded in Huntington Beach, CA but serves all of Orange County, Los Angeles County, and San Fernando Valley County.



    The founder, Safe Habashi, has been in the mortgage business for nearly 25 years. His extensive experience allows him to work creatively with every client and every situation."

  • Union 1st Inc.
  • 16152 Beach Boulevard, Suite 101, Huntington Beach, CA, 92647
  • We've been helping customers afford the home of their dreams for many years and we love what we do. Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible.

  • Advanced Horizon Lending
  • 7755 Center Avenue, 11th Floor, Huntington Beach, CA, 92647
  • At Advanced Horizon Lending we specialize in all types of mortgage financing. Whether you are a first time homebuyer, or a veteran investor, our experience, rates and speed make us stand apart from other lenders. If you are buying a new home, refinancing your existing mortgage or taping some of the growing equity in your home we are here to help.

  • Flex Funding
  • 7755 Center Avenue, Suite 1100, Huntington Beach, CA, 92647
  • Flex Funding in Huntington Beach, California, is led by Monica Victorino who is a full-service licensed broker. Our clientele steadily increased over the years and helped in turning our company into what it is today. Our business is based on four key elements, knowledge, skills, discipline, and ethics.

  • Alliance West Financial Corporation
  • 17111 Beach Boulevard, Suite 100, Huntington Beach, CA, 92647
  • Alliance West Financial Solution for the local Real Estate market. Our mission is to provide our clients with the highest professionalism and ethics, whether looking for a new home, making investment strategies, avoiding foreclosure or navigating the REO process. We are here to make the home buying process as simple.

  • Nuvision Federal Credit Union
  • 7812 Edinger Avenue., Huntington Beach, CA, 92647
  • Born nearly a century ago as the credit union of Douglas Aircraft, our values were forged in the factories and plants that made the region prosper. At its core is a commitment to strength, independence and discipline. A belief that if you work hard enough, a better life is always possible. Not just for yourself, but future generations to come.

  • Universal Commercial Capital
  • 8907 Warner Ave Ste 145, Huntington Beach, CA, 92647
  • Universal Commercial Capital is a U.S. based, private money lender. A trusted resource in real estate mortgage lending, Universal Commercial Capital is known for its flexible, common-sense underwriting and efficient, hassle-free loan programs.and also steadfast commitment to helping its clients reach their full financing potential

  • LendFi Mortgage
  • 555 W 5th St 35th Fl, Los Angeles, CA, 90013
  • LendFi Mortgage is making homeownership simpler, faster, and most importantly, more accessible for all Americans. We believe homeownership should be fast, transparent, and low-cost for everyone. We offer unbeatable service; mind-blowing rates and we strive to close our loans within 3 weeks.

  • California Bear Credit Union
  • 300 S. Spring Street, Suite 1215, Los Angeles, CA, 90013
  • Our Mission is to Provide the best quality of financial and credit products and services to meet the needs of our members. Provide products and services at fair, competitive prices, and to invest excess funds in such a manner that the return on those investments will contribute to capital growth and financial stability of the credit union.

  • Client 1st Mortgage
  • 5777 Madison Avenue, Suite 605, Sacramento, CA, 95841
  • Client 1st Mortgage strives to provide all of the qualities that people look for in a mortgage company. We treat each customer as an individual. Not as a number.We operate under a strict code of ethics and values aimed at building long-term customer trust and loyalty. We use a “common sense” approach and will help you.

  • Patron Mortgage
  • 4829 Argyle Ln, Sacramento, CA, 95841
  • Patron Mortgage is a California Mortgage Company working with borrowers throughout California. I am a senior loan officer and real estate broker with over ten years experience. I can assist you with home purchase loans, refinancing, reverse mortgages, ITIN loans, land loans, construction loans, hard money loans,